| Value | What It Means | How We Live It |
|---|---|---|
| Integrity | Honest, transparent dealings | No hidden fees. Plain-language contracts. |
| Inclusion | Serving all incomes and backgrounds | Special programs for youth, women, and informal workers. |
| Innovation | Smart solutions for real problems | Mobile money, Susu hybrids, and quick-loan tech. |
| Impact | Tangible community betterment | Track every cedi reinvested locally. |
